Credit Card bonuses

You can earn a $100 bonus after you spend $500 in purchases in the first 3 months from account opening with the Chase Freedom® along with 5% cash back categories for the first quarter of 2015. Between April 1st and June 30th, you can earn 5% rewards on up to $1,500 spent at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.

2015 Chase Freedom Card Review

Chase Freedom $200The Chase Freedom® offers a $100 cash back bonus for new cardholders that spend $500 during the first three months of membership. New members will also get 0% introductory APR on balance transfers and purchases for 15 months. This great cash rewards credit card is designed for those of you who want to earn easy cash back bonuses in return for your spending. Between 4/1/15 to 6/30/15, Cardholders can get 5% cash back on up to $1,500 in combined purchases at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®. For all other purchases, you’ll earn unlimited 1% cash back. Best of all, the card comes with no annual membership fee.

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Card Features

  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
  • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open

Cash Back Bonuses

The Chase Freedom is a great card that has a lot of good features. One of the best features of the Chase Freedom Card is the $100 cash back bonus. Once a cardmember spends $500 or more in their first three months as a cardholder, they will receive a $100 bonus. There is also 5% cash back bonus program that allows a cardholder to earn 5% cash back on up to $1,500 in each bonus category during each three month quarter. It’s absolutely free to activate your bonus each quarter!

Cardholders can also enjoy earning 1% cash back on everything else that they buy. One of the best things about this particular program is that cardholders do not have to worry about limit on what they can earn! There are no limit on how much cash back a cardholder can earn with this bonus program.

2015 Chase Freedom 5% Categories:

(5% cash back, up to $1,500 each quarter) Registration is now available.

  • Jan 1 to March 31 – Grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores.
  • April 1 to June 30 – Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
  • July 1 to Sept 30 – Gas stations and more.
  • Oct 1 to Dec 31 – Amazon.com and more.

Online Shopping Cash Back

Perhaps the best benefit of using the Chase Freedom® is that cardholders can earn 10% cash back when they go online and shop at select merchants through Chase. There are many merchants that participate, and this is good news for cardholders because they can save a lot of money buying things that they would have bought eventually, whether or not they had the Chase Freedom Card.

All of the bonus programs are great programs, but there is also an introductory rate. For the first 15 months, you can get 0% APR on all your purchases and balance transfers. After the 15 months are up, cardholder members can enjoy paying a rather low APR, but the amount they will pay depends on a few factors because it is a variable APR.

Sign up now for the Chase Freedom® and receive a $100 cash back bonus for spending $500 or more during the first three months of card membership. This card has no shortage of bonus programs and Chase has made it easy to earn points and get cash back with it. The APR is very fair too, and applying for the card is also very easy to do. There are a lot of great cards out there today, but the Chase Freedom Card is an essential addition to anyone’s wallet.

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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By far the best Chase Sapphire Preferred card offer you will find, this is a phenomenal $500 signup bonus value card towards air/hotel. Not just a regular everyday spending card, but for international travel too with no foreign transaction fees!

Chase Sapphire Preferred Review

Sapphire PreferredChase Sapphire Preferred® Card offers 40,000 bonus points after you spend $4,000 in purchases within the first 3 months. With 40,000 bonus points, you can redeem for $500 towards airfare and hotel accommodations. You can earn an additional 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening. Earn 2x points on travel, 2x points on dining at restaurants, and 1 point per dollar on all other purchases. Your points go far since you get 20% off travel when redeemed thru Ultimate Rewards. All Chase Sapphire Preferred cardholders enjoy travel benefits and a direct access to a live adviser 24 hours a day. No foreign transaction fees, plus Chip and Signature enabled for international travel. The annual fee of $95 is waived for the first year of card ownership.

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Chase Sapphire Preferred® Card

  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That’s $500 in travel when you redeem through Chase Ultimate Rewards®
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

Chase Sapphire Preferred Review: Earning Points

Other than the signup bonus points promotion, you can earn points by using your Sapphire Preferred card for everyday spending. You get 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases. Get up to 10 points per dollar at nearly 300 top online retailers for shopping through the Ultimate Rewards Mall portal. There is no cap on the amount of points you can earn.

Chase Sapphire Preferred Review: Points Redemption

With the Chase Sapphire Preferred® Card earning 40,000 bonus points, that’s a significant amount of points to cash out! Your points do not expire as long as you have the card and you can use your points for airfare and other travel purchases without restrictions. What’s the best way to utilize the bonus points?

Points are worth more for travel using Ultimate Rewards: As a Preferred cardmember, you get 20% off whenever you redeem your points for airfare, hotels, car rentals and cruises through the Ultimate Rewards website. E.G For using 30,000 points to buy a plane ticket(normally $300 in credit), your 30,000 points is now worth $375 towards your ticket. Simply put: 1 point = 1.25 cent value thru UR Travel (since 20% fewer points are needed).

Redeem your points for travel rewards: Fair and flexible program, you can use your points on the Ultimate Rewards to pay for airline tickets, book from over 60,000 hotels and resorts across the globe, or take a cruise with Royal Caribbean or Carnival.

Point conversion to different partners: Convert points to frequent flyer miles on partner airlines at a 1:1 ratio- including hotel programs. The partner airlines and hotel programs include:

  • United Airlines Mileage Plus
  • British Airways Avios
  • Southwest Airlines Rapid Rewards
  • Korean Air Skypass
  • Virgin Atlantic Flying Club
  • InterContinental Hotels Priority Club
  • Ritz-Carlton Rewards
  • Hyatt Gold Passport
  • Marriott Rewards
  • Amtrak Guest Rewards

Redeem for Cash Back or Gift Cards: You can always opt for a cash reward check at 1 cent value per point or choose gift cards from over over 75 partner retailers, restaurants, and gas stations.

Chase Sapphire Preferred Review: Full Benefits

Concierge Service: The Chase Sapphire preferred gives you free 24/7 concierge service. Whether you want to make a reservation, finding tickets, plan out your travel, or buying a perfect gift, simply give them a call and ask for help with their superior customer services.

24/7 Dedicated Customer Service: Talk to a real customer service and be connected immediately without pressing “#.” Guaranteed! You simply call up the number on the back of your card and you can speak with a real, live person immediately.

Travel Insurance: The card comes with free travel insurance services such as trip cancellation insurance, auto rental collision damage, travel accident insurance, lost luggage reimbursement, and more.

Purchase Protection: Other non-travel benefits include zero liability for unauthorized purchases, automatic extended warranties, refunds if the price on your purchase drops in the first 90 days, and refunds if the seller refuses you one. There is no preset spending limit, giving you more flexibility on your spending.

No Foreign Transaction Fees: One of the best perks, you pay absolutely no fees for international purchases.

Chip & Signature Technology: With chip technology, traveling internationally with your Chase Sapphire Preferred is much easier.

Chase Sapphire Preferred Review: Conclusion

Again, this is the best offer I’ve seen for the Chase Sapphire Preferred all year long with 40,000 bonus points after spending $4,000 in the first 3 months from account opening. If you add an authorized user and they make a purchase within the same time-frame, you will receive an additional 5,000 bonus points. The $95 annual fee may seem like a drawback, but the extra reward benefits and bonus points signup far outweigh the annual fee. Even so, you get a $0 intro annual fee for the first year. Believe me, you will want this card since it’s made out of real metal and will leave quite the impression to your friends and family!

Big time sign-up bonuses such as the Chase Sapphire Preferred card is a change of time with our current economy. If you are in the market for a credit card, be sure to sign up for the Chase Sapphire Preferred® Card. See our full list of credit card bonuses for all your credit card needs!

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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Chase Slate New 2015By far the best card for a balance transfers, the Chase Slate® is offering a 0% Introductory APR on balance transfers and purchases for 15 months and $0 balance transfer fee! With no balance transfer fee for the first 60 days, the Slate from Chase is offering interest free payments for up to 15 months with no catch and no annual fee. Plus, they’ve now added a free FICO® score on your credit dashboard within the account. You’ll also get 0% intro APR on purchases for 15 months, then after the introductory offer, the purchase APR becomes 12.99%, 17.99, or 22.99% variable. It has been years since I saw a no balance transfer fee credit card! Most, if not all credit cards, want you to pay 3% to 5% for doing a balance transfer. However, you won’t have to pay a dime for transferring your higher rate balances to this Chase Slate card!

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Chase Slate® Card Features:

  • Chase Slate named “Best Credit Card for Balance Transfers” two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • $0 Annual Fee
  • New Free Monthly FICO® Score and Credit Dashboard

Here’s Why You Should Apply For This Card:

$0 Balance Transfer Fee for the first 60 days: You may want to do a balance transfers during the first 60 days of your account. This is the main attraction of the Chase Slate since it has $0 balance transfer fee. You’ll be saving quite a lot of money from paying high interest rate of your other cards.

0% Introductory APR on Balance Transfers:  On top of the $0 balance transfer fee, you will get 0% introductory APR on all balance transfers for the first 15 months. After the intro period, you will have to pay a variable balance transfer APR, which is 12.99%, 17.99%, or 22.99% depending on your credit score.

0% Introductory APR on Purchases: You don’t have a balance from another card to balance transfers? Then take advantage of the 0% introductory APR on all your purchases for the first 15 months. After that, you will have to pay a variable purchase APR of 12.99%, 17.99%, or 22.99%.

Free Monthly FICO® Score: Cardholders will now be able to access their FREE FICO score (Experian) as part of their credit dashboard.

$0 Annual Fee: You don’t have to pay any annual fee to enjoy all the benefits of this card.

Blueprint Feature: This unique feature gives you 4 options to pay your balances down faster. You can pay in Full Pay and pay no interest on selected “everyday” purchases like groceries, gas or drug prescriptions. You can also Split it which lets you pay off big purchases like a T.V or home improvement projects. Chase will calculate on each statement so you can stay on track to meet your goals. Another option is Finish It which lets you set a date by which you want to pay off your current balance. Finally, you can Track It which lets you track your progress to see how close you are in reaching your goal.

Zero Liability for Unauthorized Purchases: For any unauthorized charges are made on your Chase Slate card, you won’t be held responsible for the charges.

24/7 Security Services: Chase will monitor your account activity 24/7 for fraudulent card activity with its Patented Fraud Protection service.

Those who will be using this card for a balance transfers to pay down a balance, then yes, you should apply for the Chase Slate® to get 15 months on balance transfers with $0 balance transfer fee. This is the only nationally advertised deal with no transfer fee so make sure you initiate that balance transfer within the first 60 days. This is an excellent opportunity to have all your money applied directly into cutting down your principal instead of having it go towards interest and/or fees.

However, don’t use this as an excuse to fund any crazy shopping sprees, but instead use this Chase Slate® 0% APR 15 months balance transfer with no fee to pay down any balances or large purchases.

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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Discover It MilesThe Discover it® Miles lets you earn 1.5X Miles on every dollar you spend on purchases- then at the end of your first year, Discover doubles all the Miles you’ve earned. You’ll continue to earn 1.5 miles for every dollar spent after that. With the Discover it® Miles, there is no need to keep track of rotating categories for high travel rewards. It has no foreign transaction fees, $30 back each year for in-flight Wi-Fi purchases, and free FICO score on your monthly statement. Your miles are redeemable in any amount for cash or travel statement credit. Enjoy all the card features with Discover award winning customer service with no annual fee!

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Discover It Miles Credit Card Features:

  • No annual fee & unlimited 1.5x Miles on every dollar you spend on purchases*.
  • Exclusive Double Miles Offer: At the end of your first year—when other Miles cards charge an annual fee—Discover doubles all the Miles you’ve earned.
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.
  • Discover pays you back for your in-flight Wi-Fi fees—up to $30 a year—with an automatic statement credit.
  • Free FICO® Credit Score on your monthly statements, on mobile app and online*.
  • 100% U.S. based service at your dedicated phone number—day and night.
  • Free overnight shipping of replacement cards to any U.S. street address at your request. And you’re never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply Now.” See complete Discover it® Miles details.

Here’s Why You Should Apply For Discover It Miles:

  • Double Miles Offer: You earn 1.5 miles per dollar spent on all purchases, with an additional 1.5 miles per dollar spent at the end of your first year. There is no cap on total earned miles per year and all your miles will be automatically doubles at the end of the year. Each mile is worth 1 cent which you can redeem as cash for direct deposit to your bank account.
  • $30 Free WiFi Credit: How many times you wanted to use WiFi on the plane but too cheap to pay for it? With the Discover It Miles card, you get an annual credit to cover up to $30 for in-flight Wi-Fi charges. So go ahead and enjoy that WiFi internet access knowing that you’ll be getting $30 back.
  • No Foreign Transaction Fees: Traveling abroad? Discover It Miles has no foreign transaction fees that’s typically 3% of the purchase amount.
  • More Card Benefits: Other great perks you will find in the Discover It Miles include free monthly FICO credit scores, no late payment fee for the first late payment, no penalty APR , and access to U.S. based customer service.

The bottom line is to use the Discover It® Miles card for All Purchases especially in the first year for their Double Miles Offer without confusing categories or conditions. The miles can be redeemed for any amount to cover travel purchases or convert them to cash into your bank account. Additionally, the card has no foreign transaction fees, a $30 in-flight WiFi credit each year, and a free FICO score on your monthly statement. All of these benefits of the Discover It® Miles card can be yours without an annual fee.

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Chase Freedom® offers 5% Cash Rebate Categories in select purchase categories that rotate on a quarterly basis throughout the year. Register today for the 2015 Chase Freedom Quarter II 5% Cash Back Categories from April 1st to June 30th, 2015 which includes  Restaurants, Bed Bath & Beyond, H&M, & Overstock.com for up to $1,500 in spending. Make sure to visit the Activation link to register for this 5% Cash Back Quarterly Promotion. Simply enter your name, last 4 digits of your card, and zip code to activate for absolutely free!

Click Here for 5% Cash Back Registration

If you don’t have the Chase Freedom® then you might want to hear about its fantastic signup bonus of $100 after spending $500 during the first three months of membership. This card also offers 15 months of 0% APR on purchases and balance transfers and no annual fee. Check our complete review of the card for all its benefits.

For the Current Quarter I of 2015: Keep in mind that between now and the end of March 2015 you can earn 5% cash back on up to $1,500 spent at Grocery Stores, Starbucks, and Movie Theaters using the Chase Freedom card. You’ll also get 1% cash back for all other purchases with no tiers or expiration of rewards.

Chase Freedom 2015 Quarter II 5% Cash Back Categories

  • Restaurants
  • Bed Bath & Beyond
  • H&M
  • Overstock.com

Chase 5% Cash Back Activation

Quick and easy, enroll now at ChaseBonus.com via text or email reminders. Take advantage of these opportunities to earn 5% cash back on select purchases with your Chase Freedom® – $100 Bonus Cash Back. See our full list of 5% Cash Back Categories Credit Cards!

Chase Freedom $200Chase Freedom® offers a $100 cash back bonus for new cardholders that spend $500 during the first three months of membership. You'll earn an additional $25 bonus after you add your first authorized user and make a purchase within this same 3-month period. New members will also get 0% introductory APR on balance transfers and purchases for 15 months. Then regular APR: 13.99%-22.99% (Variable). This great cash rewards credit card is designed for those of you who want to earn easy cash back bonuses in return for your spending. Between 4/1/15 to 6/30/15, Cardholders can get 5% cash back on up to $1,500 in combined purchases at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®. For all other purchases, you'll earn unlimited 1% cash back. Best of all, there is no annual membership fee. Apply Now---Chase Freedom $100 Bonus Review

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While American Express is an advertising partner of HustlerMoneyBlog, the opinions and beliefs in this article are the author’s alone and have not been reviewed, approved, or otherwise endorsed by the issuer.

American Express ® Premier Rewards Gold Card is offering 25,000 membership rewards® points for spending $2,000 within the first 3 months of Card membership. Cardholders earn 3X points for flights booked directly with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. You can use points for gift cards for dining, entertainment, and to shop over 500 of some of your favorite brands. No annual fee first year, then $175!

Top features:

  • Earn 25,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases.
  • With the Membership Rewards® program, you can use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment.
  • You can also transfer points to our selection of frequent traveler programs.
  • $0 introductory annual fee for the first year, then $175.
  • Terms and Restrictions Apply.

We have many credit card bonus offers such as the Premier Rewards Gold Card. The American Express ® Premier Rewards Gold Card 25,000 Membership Rewards points promotion offers many benefits and flexibility, so sign up today!

 

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US Bank Flexperks Business Travel RewardsThe U.S. Bank FlexPerks Business Travel Rewards Visa® card is offering a high value bonus of 20,000 FlexPoints  when you spend $3,500 or more in the first 150 days of card ownership. This card allows you to enjoy travel rewards on more than 150 airlines with faster earning, more award seat availability and expanded reward choices. In addition, you can pool your company’s points into one account and earn your rewards even faster. If you are a business owner and frequent traveler, take advantage of this card in order to gain the best returns from your spending. The FlexPerks Business Travel Card also has a points system that allows you to earn redeemable FlexPoints for purchases on things like travel, gas, and office supplies. There is a $0 annual fee for the first year, then $55.

Card Features:

  • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months;
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees;
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card;
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses;
  • Earn Triple FlexPoints for your charitable donations;
  • Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card;
  • $0 Annual Fee* the first year, after that $55*;
  • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases.

Sign up for the U.S. Bank FlexPerks Business Travel Rewards Visa® card if you’re interested in earning 20,000 FlexPerks Points. To earn this bonus, you just need to spend $3,500 within the first 150 days of owning your card. The FlexPerks Business Travel Card provides you with access to increased travel rewards as well as a great points system that allows you to earn redeemable FlexPerks Points from everyday spending on things like gas and office supplies. Take advantage of this great card and the $200 value bonus today.  Find all credit card bonuses from our list!

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Get the most out of your loyalty programs such as Starwood, Hilton HHonors, Priority Club, Southwest, Delta Skymiles, and many more . Find the most bonus points, miles and rewards program all in one place. With your bonus points and miles, you can redeem them in a dozen different ways ranging from airline tickets, vacation packages, cruises, car rentals, entertainment, shopping and charitable donations.

Free Bonus Airline Miles, Points, and Rewards

ProgramBonus Points/MilesRequirement(s)ExpirationReview
IHG Rewards Club Select MasterCard 70,000Spend $1,000NoneReview
Marriott Rewards® Premier Credit Card50,000Spend $1,000NoneReview
Virgin America Break Free Promo8,000Book a flight ticket & join their rewards program2/28/2014Review
Etihad Guest5,000First booking through RocketMiles5/31/2015Review
Starwood Starpoints Transfer5,000NoneNoneReview
IHG Rewards Club5,000Spend $30 & write review(3X dining)4/1/2015Review
Alitalia4,000First flight or activity2/28/2015Review
Softcard United MileagePlus4,000Make 1 purchase each month until 2/28/20152/28/2015Review
MileagePlus Dining3,000Spend $30 & write review3/31/2015Review
Delta Dining2,500Spend $30 & write review3/1/2015Review
Hilton HHonors Dining 2,000Spend $30 & write review(3X dining)3/31/2015Review
AAdvantage Dining 2,000Spend $30 & write review(3X)3/31/2015Review
United MileagePlus1,500Join MyPoints and make a $25 purchase. NoneReview
Hilton HHonors1,000Change password3/25/2015Review
Hilton HHonors1,000Simply join3/31/2015Review
Etihad Guest1,000First earning activity3/31/2015Review
Club Carlson1,000Follow them on Twitter3/19/2015Review
United Mileage600NoneNoneReview
Airberlin Topbonus 500None3/31/2015Review
Lufthansa Miles & More 500Just joinNoneReview
Southwest Rapid Rewards300NoneNoneReview
United Mileage via Opinion Miles Club300NoneNoneReview
La Quinta 300None3/31/2015Review
Virgin Atlantic250Download toolbarNoneReview
Many Programs to Choose200None12/31/2015Review
Hilton HHonors Check-In50NoneNoneReview
Amex Simplycash 2015SimplyCash® Business Card from American Express offers a $250 statement credit after you spend $5,000 on qualifying purchases on the Card within the first 6 months of Card Membership. To be eligible for this offer, your application must be received by June 23, 2015. The card automatically crediting cashback for business expenses and offering discounts with participating merchants. New cardholders earn 5% cash back at U.S. office supply stores, 5% cash back on services from U.S. wireless telephone service providers, 3% cash back on the category of your choice (gas stations, restaurants, airfare from airlines, etc), and 1% cash back on other eligible purchases. The 5% and 3% rebates apply to purchases up to $25,000 per rebate year, then 1% thereafter.

If you have a side business such as selling on eBay, Craigslist, or do freelance work, then your business is called sole proprietorship. Simply use your name as business ID and Social Security number as tax ID. Apply Now---Amex SimplyCash Review

American Express is an advertising partner of HustlerMoneyBlog.

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Discover It NewOne of the most competitive industry in the world, credit card companies are constantly trying to one up each other by offering better rates and features. The Discover it® is the newly revamped cash back credit card by Discover Financial that offers 14 months 0% APR on purchases and balance transfers, 5% Cashback Bonus in rotational categories. From January to March 2015, you will get 5% cash back for Gas and Ground Transportation on up to $1,500. And 1% cash back on all other purchases. Other features will be included, but I will review those four main features above. Discover It card aims to be the most consumer-friendly card on the market with absolutely no annual fee. Click “Apply” to see rates, rewards, and free FICO® Credit Score terms and other information.

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Discover It Review: 14 Months 0% APR on Purchases

Imagine having this card to use for 14 months without paying any interest on all your purchases. After that you will have to pay the regular APR, which is between 10.99% – 22.99% depending on your credit score. This is a good deal for those thinking purchasing a big ticket item and having 14 months to pay it off interest-free. Keep in mind you still need to pay the minimum amount on your monthly statement.

Discover It Review: 14 Months 0% APR on Balance Transfers

You will also get 0% introductory APR on all balance transfers for 14 months. Those with high-interest balances on other credit cards, I recommend to take advantage of the intro 0% balance transfer promotion. Even though you pay zero interest on your transferred balance for 14 months, there is a balance transfer fee of 3%. After the 14 months, your APR will be 10.99% – 22.99%, depending on your credit score. Be sure to plan out to pay off your balances at the end of your 14th month so that you won’t incur the higher non-promotional interest rates. There is also the 18 months 0% APR version.

Discover It Review: 5% Cash Back Rewards Categories

Another attractive benefit is the 5% cash back in select categories such as gas, travel, restaurants, etc, which change throughout the year. You’ll get 5% cash back on up to $1,500 in purchases for each quarter. Anything over the set amount will automatically earn 1%. However, you must sign up either online or through the phone. Here are the Cashback quarterly categories for this 2015 calendar year.

Discover It Review: 5%-20% ShopDiscover Cash Back

Discover is the undisputed winner of online shopping portals for all major issuers. With the Discover It Card, you have access to ShopDiscover with over 200 online retailers and earn 5% to 20% cash back. They have the highest cash back from major retailers such as Sears, Walmart, Target, Groupon, and many more.

Discover It Review: Major Features

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover “Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014.”+
  • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it’s unusual, you’re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service— day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

Discover It Review:

Our Verdict:

Discover it® is rolling out all these features and benefits that consumers actually want in a credit card. They are hoping for Discover It cardholders to be long term users. They are responding to our needs with popular features such as no late fee for the first late payment, no interest rate increased due to a late payment, 14 months of balance transfers and purchases, 1% cash back for all purchases, and 5% cash back for rotating categories. No longer will you experienced the frustration of calling a customer service hotline that you can barely understand with their 100 percent US-based support staff. With no annual fee and a generous cash back rewards program, I personally give the Discover It Card a 5 Stars rating and highly recommend for all my readers to sign up.

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Recommended Credit Card Offers:

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Discover It BTThe Discover it® is now offering 18 months 0% APR on balance transfers along with no annual fee, no over limit fee, and no foreign transaction fee. Pay zero late fee on your first late payment and they won’t increase your APR for paying late. From January to March 2015, you will get 5% cash back for Gas and Ground Transportation on up to $1,500. And 1% cash back on all other purchases.

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The 5% Cash Back Categories

The Discover It® credit card gives 5% cash back in popular categories that change throughout the year such as gas stations, restaurants, department stores, and more. You earn the full 5% on spending up to the quarterly maximum of $1,500 in bonus category. Then get the full 1% cash back on all other purchases. More importantly, you can earn extra rewards thru ShopDiscover – an undisputed shopping portal with over 200 online retailers and earn 5% to 20% cash back.

Discover It Card Benefits and Features:

  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover “Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014.”+
  • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment , APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it’s unusual, you’re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking “Apply.”

Maximum Benefits

There is almost no fees of any kind. Enjoy no annual fee, no fee for first late payment, no over limit fee, no fee for payments by phone, and no foreign transaction fees. There are also no APR hikes for late payments. You can choose your own due date and you have until midnight EST to pay our Discover it by phone or online. All eligible purchases made with your Discover card are protected for up to $500 during the first 90 days if they’re stolen or accidentally damaged. The extended warranty insurance will extend the terms of the original U.S. manufacturer’s warranty and any purchased warranty for up to 1 extra year, on warranties of 3 years or less. Discover offers Price Protection that refund you up to a $500 difference if you find a lower price within 90 days of making a qualifying Discover it card purchase. Enjoy Return Protection if you need to return any eligible purchase within 90 days for up to a $500 refund. Sign up today and enjoy the amazing benefits of owning a Discover it® with 18 months of 0% APR on balance transfers!

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